Thanks To Obamacare, One North Texas Family Will Pay Way Less For Insurance

Bob and Amy Flood, at their home in Allen. The Floods used to buy health insurance through the Texas Health Insurance Pool because of pre-existing conditions, but now are able to buy plans on the health insurance marketplace.

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More than 20,000 people rely on the state run Texas Health Insurance Pool. The pool insures folks with pre-existing health conditions who can’t find coverage elsewhere. In a few months, that risk pool will no longer exist. And at least one North Texas family is celebrating.

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The KERA radio story.

Right after he retired a decade ago, Bob Flood learned he had cancer and a kidney would have to be removed. Just one month after he lost his kidney, he lost his health insurance.

Bob and Amy Flood, at their home in Allen, TX. The Floods used to buy health insurance through the Texas Health Insurance Pool because of pre-existing conditions, but now are able to buy plans on the health insurance marketplace.

Credit Lauren Silverman / KERA NEWS

“They called me up and said we’re canceling your policy,” Flood says. And not just for him, his entire family.

Flood, who lives in Allen with his wife and two sons, figured he’d find another policy. But he was refused, over and over again.

“The only place I could get health insurance was through the Texas health risk pool. And that is 200 to 400 percent above what the average person pays,” Flood says.

“Some people will pay more and some people will pay less,” Pogue says. “And part of that’s going to depend on which plan they pick. But one thing that can be said across the board for the risk pool is that they will actually have a plan choice that they haven’t had in the past that includes different insurance companies and different networks.”

Of course, that depends on healthcare.gov working.

The idea of closing down the insurance pool, Pogue explains, was contingent to the marketplace being there to pick everybody up.

“If problems continue and make it difficult for people who are in the risk pool to enroll, we’ll need to have a conversation as a state about whether it makes sense for the risk pool to stay open a little longer,” she says.

Since there are people, like the Floods, who have successfully made the transition, Pogue says it’s not time to call for a delay yet, and don’t even talk about repealing Obamacare with Bob Flood.

“What do you want to repeal, do you want to repeal the pre-existing clause?” Flood asks. “That would mean cancer survivors like me couldn’t get insurance.”

So no matter how bumpy the roll-out, for folks like Bob Flood, there’s no turning back.